Complaint Review: Midland Mortgage/Midfirst Bank

MidFirst/Midland Co  Scam

For those of you like me that have to deal with the miss fortunate of having to be victim of the Midfirst Bank and Midland Mortgage scammers. Mortgage scam contains some type of misstatement, misrepresentation, or omission relied upon by an underwriter or lender to fund, purchase or insure a loan. Mortgage scam is easily practiced particularly where mortgage industry professionals are involved. The true level of mortgage scam is largely unknown because a significant portion of the mortgage industry is void of any mandatory fraud reporting and in addition, mortgage fraud in the secondary market is often under reported. Based on various industry reports and analysis, mortgage scam is pervasive and growing. Mortgage scam can be basically analyzed as:

• Fraud for Profit Sometimes referred as Industry
  
  Insider Fraud and the motive is to falsely inflate the value of the
  
  property, issue loans based on fictitious properties or revolve equity.
  
  Based on existing approximate reports, eighty percent of all reported
  
  mortgage scam losses involve collaboration or collusion by industry
  
  insiders

I Contacted the Kansas City Missouri FBI to report the incident, and identify this Scam. But intern was told by the agent to get online and Google to see it anyone else was having the same problem. Maybe I would be able to get in on a class action Law suit.

I find it utterly amazing how the Banks , Mortgage Companies, Law enforcement, Scammers, and   people that have had the opportunity to live a good life, and  having someone like myself to spend 23 years of my life fighting for their freedom make my life hell.  I am A U.S. Army Golf War Veteran who had purchased a house in 2004 hoping to have a normal life after have served my country.

 My first mistake was to use my the veterans G.I Bill to assist me in the purchase the house which lead to Identity Theft, because the veterans administration lost a notebook computer with valuable information of veterans.  

The second mistake was buying a house as First Horizon as the mortgage lender. After have made on time payments to First Horizon for 2 years for some unknown reason my mortgage payments went from $792.00 to $1,494.00 double the amount. Than having paid the requested payments lead to First Horizon indicating payment were not being received adding late charges, and I fulfilling  my responsibilities went further e.g. making over-payments and making payments 15 days in advance on payments  that were supposed to be applied to the principal but were instead pocketed. But First Horizon was determined to usurp as much home equity as possible so they manufactured grounds for foreclosure by pocketing payments instead of crediting them to the mortgage-account then claiming that the payments were not made, and skipped along to foreclosure.

 In 2006 I filed for chapter 13 because the amount to continue making payments and then forcing me to come up with $11,964.00. This time rather than manufacturing grounds, their main strategy was to do whatever they could to PREVENT ME FROM FINDING OUT that they were taking foreclosure action against my home.

 In July of 2008 the mortgage was transferred to MidFirst/Midland Co.  To continue the process before the transfer the judge asked that I bring my account up to date as I had agreed.  Paying First Horizon a Stipulation and Consent Order payment of $ 4546.35 Total Payments.  15 days after the transfer Midland Mortgage Co, decided to apply Payments to other my normal payments 7/18/2008, 7/21/2008, and 7/31/2008. Indicating they did not know how the Stipulation and Consent Order payments worked applied the amount to my normal payments subtracting the remaining amount that was supposed to be applied to the principal than pocketed my normal payment. And indicating that the Stipulation and Consent Order payments were never made. Nevertheless not being calculated correctly from the start, and misapplied.

 In November of 2009, 6 months after the judge finalized the Chapter 13 order. Midland Mortgage and South & Associates P.C. are attempting there 5 times foreclosure acting hoping the judge will overlook the truth, and proceed with the action.  The manufacturing grounds for this action are failure to comply with Stipulation and Consent Order payments, and not making payments on time even though payment were sent to them 10-15 days prior to the due date. I was not given a copy of The Order. Only the letter you sent indicating the Judge had asked me to bring my account up to date. Stipulation and Consent Order did if signed did not indicate start date from what I recall. I was only told that there would be about 8 payments of $ 585.56 Date to be Determined. 2^ndAmended Proof of claim submitted by Midfisrt Bank was approved acquiring all late charges. The total of the claim was entered in to the Chapter 13 repayment Plan. Midland Mortgage Co. with South & Associates P.C. indicated that I had no proof. Nice try The Three $ 1,551.45 Certified checks from the Credit Union were sent for the Stipulation and Consent Order payments. (Brake down of payments) $585.56 x 7 Stipulation and Consent Order payments = $4098.92, $ 4546.35 - 4098.92= $447.43, Leaving $447.43 for the 8^th payment of $585.56 $447.43 would leave me owing them $ 138.13. Midland Mortgage Co modified a payment ledger so that anyone looking at it would not see the scam they had wish to accomplish.

Because judges hope the attorney can resolve the problem and do not have time to be accountants, and calculate debts.  South & Associates P.C knows this, and objected when I had contacted my attorney to ask for a court date to speak with the judge. To prove that my payments are on time, and the Stipulation and Consent Order payments were made.   The hearing is in a week.

Here is some advice I took from my attorney that I would like to pass on. There are things that you need to do to help prevent further damage.

Pay your payments 5-10 days prior to the due date if you can.

Make a copy of the check, Money order, before you send the payment.

Send your payment Signed Registered Return Receipt (Green Copy)

Note when you wrote the (check /money order) the month it is for, account number, date it was cashed, and ask for verification when it was cashed.

If they send the check back like Midland Mortgage Co. does to obtain late charges. Send another

Keep your own Payment Ledger attach all the information and give it to your defense attorney he is not the enemy and the one who gets all the crap. Help your attorney Help You!!

U.S Supreme Court Judges, and State Judges, are getting frustrated with fact of having their courtroom packed with hardworking people that Mortgage Companies and banks are taking advantage of. Foreclosure, bankrupt, and unemployment people are about 75% in the last 3 years and they caused it.

While this is an Outrageous & Popular Scam (from the ripoffreport.com categories) the MEDIA HAS BEEN So SILENT on this type & source of fraudulent activity that many would probably guess it to be an Unusual Scam. The status of this particular series of events is that I wish to initiate a FEDERAL LAWSUIT in the U.S. District Court. Therefore I am seeking legal representation and want to establish contact with homeowners who have been similarly situated. In hope to put these scam artist out of business.

U.S. ARMY VETERAN

For those many victims like me of predatory lending and illegal foreclosures. Readers Please pay close attention, for what I am about to tell you is true. I have all documented proof to what I am about to lay out. So you and your attorneys can put these people out where they belong. Exactly where they put you. I have no legal background experience, but have done a lot of home work.

 I would like to first address the Banks, Mortgage Co., Lenders, and prosecuting attorneys, FBI, Secret Service so called agents, that are provide false and misleading reports their organizations. These   are about to catch up with you. And those who have indicated they are trying to resolve these criminal processes you full of crap. Your only looking for the same things the scammers are, (A paycheck). A Special Announcement for the FBI agent in Kansas City, Mo. That I reported the incident to (I  took your advice did a Google and found a lot of people with the same problem I am having). Now would you like to do your job!!  

(Predatory lenders and Insider Scams) Readers U.S supreme Court Judges, Judges, and defense attorneys are getting   frustrated with fact of having their courtroom packed with hardworking people that you are taking advantage of. Foreclosure, bankrupt, and unemployment are about 75% in the last 3 years and you caused it. It is amazing  I bet you sleep good at night.

(Victims) Readers Please pay close attention, to beat these predatory lending and illegal foreclosures scammers. There are things that you need to know and do to help prevent further damage. Believe Me I am having to do this!!

Case to point.

1.   Pay your payments 5-10 days prior to the due date if you can.
2.   Make a copy of the check, Money order, before you send the payment.
3.   Send your payment Signed Registered   Return Receipt (Green Copy)
4.   Note when you wrote the (check /money order) the month it is for, account    number, date it was cashed, and ask for verification when it was cashed.
5.    If they send the check back like Midland Mortgage Co. does to obtain late charges. Send another
6.   Keep your own Payment Ledger attach all the information and give it to your defense attorney he is not the enemy and the one who gets all the crap. Help your defense attorney Help You!!

In 2006 I filed Chapter 13 bankrupt because First Horizon wanted to be a part of that Mortgage Scam ring. I had several problems with First Horizon Mortgage that indicated the start of the mortgage scam. It first started out with two late payments, an increase in payment, and then an increase in escrow. From that point excessive double payments and misapplied payments indicating that payments were late. Than allegations that payments were not being received.  First Horizon and continued over to Midland Mortgage and MidFirst Bank.

U.S. Army VETERAN

For those many victims like me of predatory lending  and illegal foreclosures . Readers Please pay close attention, for what I am about to tell you is true. I have all the documentation as proof to what I am about to lay out so. You and your attorneys can put these people out where they belong. Putting them exactly where they put you. I have no legal background experience, but have done my home work.

I would like to first address the Banks, Mortgage Co., Lenders, and prosecuting attorneys, FBI, Secret Service so called agents, that are provide false and misleading reports their organizations. These   are about to catch up with you. And those who have indicated they are trying to resolve these criminal processes you full of crap. Your only looking for the same thins the scams are, (A paycheck) this is a special announcement for the FBI agent in Kansas City, Mo. That I reported the incident to (I did a Google and found a lot of people with the same problem I am having. Now would you like to do your job)!!

(predatory lenders and  Insider Scams) Readers U.S supreme Court Judges, Judges, and defense attorneys are getting   frustrated with fact of having their courtroom packed with hardworking people that you are taking advantage of. Foreclosure, bankrupt, and unemployment are about 75% in the last 3 years and you caused it.



(Victims) Readers Please pay close attention, to beat these predatory lending 

and illegal foreclosures scamers. There are things that you need to know and do to help prevent further damage. Beleave Me I am Having to do this!!

case to point.

1.   Pay your payments 5-10 days prior to the due date if you can.


2.   Make a copy of the check, Money order, before you send the payment.


3.   Send your payment Signed Registered   Return Receipt (Green Copy)


4.   Note when you wrote the (check /money order) the month it is for, account    number, date it was cashed, and ask for verification when it was cashed.


5.    If they send the check back like Midland Mortgage Co. does to obtain late charges. Send another


6.   Keep your own Payment Ledger attach all the information and give it to your defense attorney he is not the enemy and the one who gets all the crap. Help your defense attorney Help You!!

In 2006 I filed Chapter 13 bankrupt because First Horizon wanted to be a part of that Mortgage Scam ring. I had several problems with First Horizon Mortgage that indicated the start of the mortgage scam. It first started out with two late payments, an increase in payment, and then an increase in escrow. From that point excessive double payments and misapplied payments indicating that payments were late. Than allegations that payments were not being received.  First Horizon and continued over to Midland Mortgage and MidFirst Bank.

I could write 15 pages of the Scams that these institutions have tried to use against me to include foreclosures 5 times on my house.

But my point is its time for these Mortgage Scam, predatory lenders 

and illegal foreclosures scams, Banks, Mortgage Co., Lenders, and prosecuting attorneys, FBI, Secret Service so called agents , that provide false and misleading reports their organizations about who they are trying help with you. And indicated they are trying to help the economy to resolve these criminal acts.